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	<title>Comments on: Stop the Insanity of Christmas Debt This Year</title>
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		<title>By: 5 Ways to Stretch Your Christmas Budget</title>
		<link>http://personalfinancebythebook.com/stop-the-insanity-of-christmas-debt-this-year/comment-page-1/#comment-5097</link>
		<dc:creator>5 Ways to Stretch Your Christmas Budget</dc:creator>
		<pubDate>Mon, 29 Nov 2010 09:57:22 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=542#comment-5097</guid>
		<description>[...] what gifts of time others could use. Personally, I have been waiting for a gift of helping me wash my windows, but no [...]</description>
		<content:encoded><![CDATA[<p>[...] what gifts of time others could use. Personally, I have been waiting for a gift of helping me wash my windows, but no [...]</p>
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		<title>By: How to Avoid Christmas Debt Without Becoming a Grinch &#8230; 12 Great Tips</title>
		<link>http://personalfinancebythebook.com/stop-the-insanity-of-christmas-debt-this-year/comment-page-1/#comment-4874</link>
		<dc:creator>How to Avoid Christmas Debt Without Becoming a Grinch &#8230; 12 Great Tips</dc:creator>
		<pubDate>Fri, 12 Nov 2010 15:21:16 +0000</pubDate>
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		<description>[...] sacrifices you make in the next two months could allow you to avoid Christmas debt. No eating out, for example, could be a way to save hundreds of [...]</description>
		<content:encoded><![CDATA[<p>[...] sacrifices you make in the next two months could allow you to avoid Christmas debt. No eating out, for example, could be a way to save hundreds of [...]</p>
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	<item>
		<title>By: Joe  Plemon</title>
		<link>http://personalfinancebythebook.com/stop-the-insanity-of-christmas-debt-this-year/comment-page-1/#comment-520</link>
		<dc:creator>Joe  Plemon</dc:creator>
		<pubDate>Tue, 15 Dec 2009 15:25:18 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=542#comment-520</guid>
		<description>Kathy,
You get it!  Scaling down and simplifying and using some common sense does not detract from our celebration of Christmas...it adds to it bigtime.  

Like you, we buy lots of Christmas gifts throughout the year...many from yard sales.  For us, it is like a treasure hunt and makes Christmas fun all year long. 

We also spend more than we probably should for new gifts, but it is all budgeted and paid for with cash.  And, like you, we have been scaling back a little every year.

Thanks for stopping by and sharing your thoughts!</description>
		<content:encoded><![CDATA[<p>Kathy,<br />
You get it!  Scaling down and simplifying and using some common sense does not detract from our celebration of Christmas&#8230;it adds to it bigtime.  </p>
<p>Like you, we buy lots of Christmas gifts throughout the year&#8230;many from yard sales.  For us, it is like a treasure hunt and makes Christmas fun all year long. </p>
<p>We also spend more than we probably should for new gifts, but it is all budgeted and paid for with cash.  And, like you, we have been scaling back a little every year.</p>
<p>Thanks for stopping by and sharing your thoughts!</p>
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	<item>
		<title>By: Kathy</title>
		<link>http://personalfinancebythebook.com/stop-the-insanity-of-christmas-debt-this-year/comment-page-1/#comment-519</link>
		<dc:creator>Kathy</dc:creator>
		<pubDate>Tue, 15 Dec 2009 14:31:01 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=542#comment-519</guid>
		<description>We haven&#039;t exchanged gifts except among our immediate family (me, my husband, our kids) and our parents for years. Before that, we gave to nieces and nephews but not to fellow siblings. We gradually scaled down because it was INSANITY (and expensive) to exchange gifts amongst brothers, sisters, nieces/nephews, aunts/uncles, etc., and it was either that or draw names. Although some of mine and my husband&#039;s siblings objected at first, I think we all are very happy with it -- no pressure to find a good or &quot;perfect&quot; gift that won&#039;t break the bank but will be appreciated; which means more time and money to spend with family and less pressure.

Starting in summer, I start really looking at yard sales for appropriate things which can be given as gifts to my children for Christmas. Most of the toys and books that are sold have little if any wear. Last year, I remember spending less than $50 for both my kids, and getting them each a bike ($5 apiece), a sit-n-spin, a train table ($5!!!!), plus loads of books and toys (mostly costly 50 cents apiece, some less and some more). This year will be similar.
.-= Kathy&#180;s last blog ..&lt;a href=&quot;http://katsyfga.wordpress.com/2009/12/12/oh-wow/&quot; rel=&quot;nofollow&quot;&gt;Oh, WOW!&lt;/a&gt; =-.</description>
		<content:encoded><![CDATA[<p>We haven&#8217;t exchanged gifts except among our immediate family (me, my husband, our kids) and our parents for years. Before that, we gave to nieces and nephews but not to fellow siblings. We gradually scaled down because it was INSANITY (and expensive) to exchange gifts amongst brothers, sisters, nieces/nephews, aunts/uncles, etc., and it was either that or draw names. Although some of mine and my husband&#8217;s siblings objected at first, I think we all are very happy with it &#8212; no pressure to find a good or &#8220;perfect&#8221; gift that won&#8217;t break the bank but will be appreciated; which means more time and money to spend with family and less pressure.</p>
<p>Starting in summer, I start really looking at yard sales for appropriate things which can be given as gifts to my children for Christmas. Most of the toys and books that are sold have little if any wear. Last year, I remember spending less than $50 for both my kids, and getting them each a bike ($5 apiece), a sit-n-spin, a train table ($5!!!!), plus loads of books and toys (mostly costly 50 cents apiece, some less and some more). This year will be similar.<br />
.-= Kathy&#180;s last blog ..<a href="http://katsyfga.wordpress.com/2009/12/12/oh-wow/" rel="nofollow">Oh, WOW!</a> =-.</p>
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	<item>
		<title>By: Joe  Plemon</title>
		<link>http://personalfinancebythebook.com/stop-the-insanity-of-christmas-debt-this-year/comment-page-1/#comment-397</link>
		<dc:creator>Joe  Plemon</dc:creator>
		<pubDate>Fri, 06 Nov 2009 13:23:52 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=542#comment-397</guid>
		<description>Kristin,
Thanks for the link.  Your post helps me consider ALL of the expenses of the season...not just the gifts.  The &quot;magic number&quot; is a great concept, one we will try this year.</description>
		<content:encoded><![CDATA[<p>Kristin,<br />
Thanks for the link.  Your post helps me consider ALL of the expenses of the season&#8230;not just the gifts.  The &#8220;magic number&#8221; is a great concept, one we will try this year.</p>
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	<item>
		<title>By: Deb</title>
		<link>http://personalfinancebythebook.com/stop-the-insanity-of-christmas-debt-this-year/comment-page-1/#comment-396</link>
		<dc:creator>Deb</dc:creator>
		<pubDate>Fri, 06 Nov 2009 01:53:13 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=542#comment-396</guid>
		<description>A couple of years my family decided to exchange gifts of things we already had but would no longer use or need:  books we&#039;d already read, CD&#039;s and movies we no longer wanted, etc.  It took a lot of thought to select the right gift for the right person but no money!
.-= Deb&#180;s last blog ..&lt;a href=&quot;http://happygreenbabies.blogspot.com/2009/10/is-homeschooling-right-choice-for-your.html&quot; rel=&quot;nofollow&quot;&gt;Is Homeschooling the Right Choice for Your Family?&lt;/a&gt; =-.</description>
		<content:encoded><![CDATA[<p>A couple of years my family decided to exchange gifts of things we already had but would no longer use or need:  books we&#8217;d already read, CD&#8217;s and movies we no longer wanted, etc.  It took a lot of thought to select the right gift for the right person but no money!<br />
.-= Deb&#180;s last blog ..<a href="http://happygreenbabies.blogspot.com/2009/10/is-homeschooling-right-choice-for-your.html" rel="nofollow">Is Homeschooling the Right Choice for Your Family?</a> =-.</p>
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	<item>
		<title>By: Kristin Harad</title>
		<link>http://personalfinancebythebook.com/stop-the-insanity-of-christmas-debt-this-year/comment-page-1/#comment-394</link>
		<dc:creator>Kristin Harad</dc:creator>
		<pubDate>Fri, 06 Nov 2009 01:18:01 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=542#comment-394</guid>
		<description>Great post.  I really like your &#039;no debt&#039; pledge and agree that now that the stores are starting to wheel out the holiday displays, it&#039;s the perfect time to start thinking about your own holiday spending plan.  

While I love homemade gifts, what I think is even more important is that we feel good about the money we do spend.  Gift-giving is supposed to be a joyous occasion, but it&#039;s tough to have fun if you are wracked with guilt!  Pick a total holiday spending number now, before the frenzy starts, and then you can feel good about the purchase decisions you make within that framework.  I offer more specifics on holiday spending strategies at http://www.newparentfinances.com/resources_holidays.html

Thanks!

Kristin Harad, CFP
Vita Vie Financial Planning</description>
		<content:encoded><![CDATA[<p>Great post.  I really like your &#8216;no debt&#8217; pledge and agree that now that the stores are starting to wheel out the holiday displays, it&#8217;s the perfect time to start thinking about your own holiday spending plan.  </p>
<p>While I love homemade gifts, what I think is even more important is that we feel good about the money we do spend.  Gift-giving is supposed to be a joyous occasion, but it&#8217;s tough to have fun if you are wracked with guilt!  Pick a total holiday spending number now, before the frenzy starts, and then you can feel good about the purchase decisions you make within that framework.  I offer more specifics on holiday spending strategies at <a href="http://www.newparentfinances.com/resources_holidays.html" rel="nofollow">http://www.newparentfinances.com/resources_holidays.html</a></p>
<p>Thanks!</p>
<p>Kristin Harad, CFP<br />
Vita Vie Financial Planning</p>
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		<title>By: Joe  Plemon</title>
		<link>http://personalfinancebythebook.com/stop-the-insanity-of-christmas-debt-this-year/comment-page-1/#comment-392</link>
		<dc:creator>Joe  Plemon</dc:creator>
		<pubDate>Wed, 04 Nov 2009 19:18:19 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=542#comment-392</guid>
		<description>Thanks Josh</description>
		<content:encoded><![CDATA[<p>Thanks Josh</p>
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		<title>By: Josh</title>
		<link>http://personalfinancebythebook.com/stop-the-insanity-of-christmas-debt-this-year/comment-page-1/#comment-390</link>
		<dc:creator>Josh</dc:creator>
		<pubDate>Wed, 04 Nov 2009 17:36:24 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=542#comment-390</guid>
		<description>Great, Practical Advice!</description>
		<content:encoded><![CDATA[<p>Great, Practical Advice!</p>
]]></content:encoded>
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		<title>By: Personal Finance Buzz</title>
		<link>http://personalfinancebythebook.com/stop-the-insanity-of-christmas-debt-this-year/comment-page-1/#comment-389</link>
		<dc:creator>Personal Finance Buzz</dc:creator>
		<pubDate>Wed, 04 Nov 2009 17:07:41 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=542#comment-389</guid>
		<description>&lt;strong&gt;Personal Finance Buzz...&lt;/strong&gt;

Your story was featured in Personal Finance Buzz! Please visit and promote your article....</description>
		<content:encoded><![CDATA[<p><strong>Personal Finance Buzz&#8230;</strong></p>
<p>Your story was featured in Personal Finance Buzz! Please visit and promote your article&#8230;.</p>
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